Carroll County property record for 1188 Stone Rd, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,164 sqft · built 1985 |
| Lot Size | 1.17 acres (51,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Sep 2013) |
| Tax Bill | $3,650 (2026) |
| Deeds & Mortgages | Mar 2023 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-022757 |
| Primary APN | 03-022757 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,164 sqft Total Area |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 51,227 sqft (1.17 acres) |
| Garage Type | Attached |
| Garage Area | 910 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 728 sqft |
| Patio Area | 504 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 022757 |
|---|---|
| Street Address | 1188 STONE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-2800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT 7 - 1.176 ACS 1188 STONE RD 26-105 HOMERS HIGHLANDS PLT A |
| Legal Subdivision | HOMERS HIGHLANDS |
| Legal Lot Number | 7 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 3, MYERS |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 503000 |
1188 Stone Rd is owned and occupied by two individuals who bought it in September 2013.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1188 STONE RD, WESTMINSTER, MD 21158-2800 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 1, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Apr 22, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Jan 2, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2013 · Amount on File |
| Deed Sale | Sep 18, 2013 · Amount on File |
| Prior Sale | May 1, 1985 · Amount on File |
| Deed Book / Page | 7484 / 444 |
| Prior Transfer Date | Jun 11, 2009 |
| Prior Transfer Doc | 0058560441 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1188 STONE RD, WESTMINSTER, MD 21158-2800 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1188 STONE RD, WESTMINSTER, MD 21158-2800 |
| Document Number | 0109870479 |
|---|---|
| Date | Mar 1, 2023 |
| Book Page | 10987/479 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Feb 19, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1188 STONE RD, WESTMINSTER, MD 21158-2800 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0101010121 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 10101/121 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1188 STONE RD, WESTMINSTER, MD 21158-2800 |
| Document Number | 0097870455 |
| Instrument Date | Apr 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1188 STONE RD WESTMINSTER MD 211582800, WESTMINSTER, MD 21158-2800 |
| Document Number | 0097870455 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 009787/000455 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 2, 2018 |
| Property Address | 1188 STONE RD, WESTMINSTER, MD 21158-2800 |
| Document Number | 0089060203 |
| Book / Page | 008906 / 000203 |
| Instrument Date | Dec 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1188 STONE RD WESTMINSTER MD 211582800, WESTMINSTER, MD 21158-2800 |
The 2026 property tax bill for 1188 Stone Rd was $3,650, up 13.8% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,650.00 (+13.78%) | $320,567 (+14.04%) | $399,500 (+42.12%) Land $151,700 Building $247,800 |
| 2025 | $3,208.00 | $281,100 Land $126,700 Building $154,400 | $281,100 Land $126,700 Building $154,400 |
| 2023 | $2,741.00 | $242,633 | $281,100 Land $126,700 Building $154,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1188 Stone Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 11, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1188 Stone Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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